I think you have to look at the damage done and the area you live in, for example tonight air temps will be around -20 with windchill factors of -40 not going to sleep in a tent if something happens to my house, that being said all my camping gear is slit up between the house and detached garage so if something happens to one I have items in the other. My garage is larger than my house so that would become primary shelter even at -20 not that we could spend much time here because it's not heated and not insulated